:root{
  --blue:#1b213c; --blue-2:#232a4a; --aqua:#4ce0d2; --grey:#9fb1bc; --white:#fff;
  --ink:#1b213c; --paper:#f5f7f8; --line:#dfe5e9; --muted:#4a536e;
  --font:"Neue Haas Grotesk Display","Neue Haas Grotesk Text","Helvetica Neue",Inter,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.dark{background:var(--blue);color:var(--white)}
header{padding:22px 0}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px}
header img{height:30px;width:auto;display:block}
header nav{display:flex;align-items:center;gap:22px}
header nav a.plain{font-size:14px;color:var(--white);text-decoration:none;border-bottom:1px solid var(--aqua);padding-bottom:2px}
header nav a.plain.on{color:var(--aqua)}
header a.cta{white-space:nowrap;font-size:14px;color:var(--blue);background:var(--aqua);padding:9px 16px;text-decoration:none;font-weight:600}
.hero{padding:40px 0 64px}
.eyebrow{color:var(--aqua);font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;margin-bottom:16px}
.eyebrow a{text-decoration:none}
h1{font-size:clamp(32px,5vw,52px);line-height:1.06;letter-spacing:-.02em;font-weight:700;max-width:820px}
.hero p.lead{margin-top:20px;font-size:19px;color:#cfd8de;max-width:680px}
.meta{margin-top:22px;font-size:14px;color:var(--grey)}
.bluf{background:var(--aqua);color:var(--blue);padding:22px 24px;margin:-32px 0 0;position:relative;font-size:18px;line-height:1.5}
.bluf .lbl{display:block;font-weight:700;font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:6px}
article{padding:48px 0 72px}
article h2{font-size:clamp(24px,3.2vw,32px);letter-spacing:-.015em;line-height:1.15;font-weight:700;margin:56px 0 14px}
article h3{font-size:20px;margin:30px 0 8px}
article p{margin-top:14px;color:#2b3350;font-size:17px}
article ul,article ol{margin-top:14px;padding-left:22px;color:#2b3350;font-size:17px}
article li{margin-top:8px}
article a{border-bottom:1px solid var(--aqua);text-decoration:none;font-weight:600}
.n{display:inline-block;font-size:13px;font-weight:700;color:var(--blue);background:var(--aqua);padding:2px 9px;margin-right:8px;vertical-align:middle}
.tablewrap{overflow-x:auto;margin-top:20px;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:15px}
table.wide{min-width:480px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--blue);color:#fff;font-weight:600;font-size:13px;letter-spacing:.03em}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
tr.hl td{background:#e9fbf9;font-weight:600}
td.neg{color:#9a2a2a}
.src{font-size:13px;color:#5d6783;margin-top:10px}
.formula{background:var(--paper);border-left:4px solid var(--blue);padding:16px 18px;margin-top:18px;font-size:17px}
.formula code{font-family:inherit;font-weight:700}
.callout{background:var(--blue);color:#fff;padding:24px;margin-top:24px}
.callout p,.callout li{color:#cfd8de}
.callout b{color:#fff}
.callout h3{color:var(--aqua);margin-top:0}
/* calculator */
.calc{border:1px solid var(--line);border-top:3px solid var(--aqua);padding:24px;margin-top:22px;background:#fff}
.calc .inputs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.calc label{font-size:13px;color:var(--muted);display:block;margin-bottom:5px;font-weight:600}
.calc input{width:100%;font:inherit;padding:10px 12px;border:1px solid #c9d2d8;border-radius:0;font-size:16px}
.calc input:focus{outline:2px solid var(--aqua);outline-offset:0}
.calc .out{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}
.calc .o{background:var(--blue);color:#fff;padding:16px}
.calc .o span{display:block;font-size:12px;color:#cfd8de;letter-spacing:.04em}
.calc .o b{display:block;font-size:24px;color:var(--aqua);margin-top:4px;font-variant-numeric:tabular-nums}
.calc .verdict{margin-top:16px;font-weight:600;font-size:16px;padding:12px 14px;background:var(--paper)}
.sources{font-size:14px}
.sources li{margin-top:6px}
.disclaimer{font-size:13px;color:#5d6783;margin-top:36px;border-top:1px solid var(--line);padding-top:16px}
/* guide index */
.list{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:36px}
.card{border:1px solid var(--line);padding:26px;background:#fff;border-top:3px solid var(--aqua);display:flex;flex-direction:column;text-decoration:none}
.card .who{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);font-weight:700;margin-bottom:10px}
.card h3{font-size:21px;margin-bottom:8px;line-height:1.25}
.card p{color:var(--muted)}
.card .more{margin-top:auto;padding-top:16px;font-weight:600;font-size:15px;color:var(--blue)}
.card .more:after{content:" \2192"}
.cta-band{padding:56px 0}
.cta-band h2{color:#fff;font-size:clamp(24px,3.2vw,32px)}
.cta-band p{color:#cfd8de;margin-top:12px;max-width:640px}
.btn{display:inline-block;padding:14px 22px;font-weight:600;text-decoration:none;font-size:16px;margin-top:22px;background:var(--aqua);color:var(--blue)}
footer{background:#0f1326;color:var(--grey);padding:34px 0;font-size:13px}
footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer img{height:26px;width:auto;display:block;margin-bottom:10px}
footer .grp{max-width:560px}
footer .links a{display:block;color:var(--grey);text-decoration:none;margin-bottom:4px}
footer .links a:hover{color:#fff}
@media(max-width:820px){
  header nav a.plain{display:none}
  header nav a.plain.keep{display:inline}
  header img{height:24px}
  header nav{gap:14px}
  header a.cta{padding:8px 12px}
  .calc .inputs,.calc .out{grid-template-columns:1fr 1fr}
  .list{grid-template-columns:1fr}
  .bluf{margin-top:-24px}
  th,td{padding:9px 8px}
  table{font-size:14px}
}
@media(max-width:480px){
  .calc .inputs,.calc .out{grid-template-columns:1fr}
}